Credit Analyst Intern (Summer) - Houston, River Oaks

External Applicants: Please apply through Prosperity Bank's Career Center at https://www.prosperitybankusa.com/Careers. Applying through any other source may prevent Prosperity from receiving your application. Internal Applicants: If you are a current associate of Prosperity Bank, please apply through the internal Talent - Career Center in ADP. Prosperity Bank is an Equal Opportunity Employer. 

POSITION PURPOSE

8-weeks Internship program with Credit Department and Commercial Lending Group to observe and to review credit and financial reports to determine risk involved in loaning money or extending credit.

ESSENTIAL FUNCTIONS AND BASIC DUTIES
Two-weeks basic Credit Analysis training

Spreading and analysis of commercial financial statements for prospective and existing loan customers.
Reviewing loan request presentation packages including loan structuring, collateral analysis, guarantor analysis, and calculation of Global Debt Service Coverage.
Identify documentation exceptions.
CRE Stress Test Analysis
Other duties as assigned.

QUALIFICATIONS

Education/Certification: 
 Pursuing bachelor’s degree in business administration, Accounting, or Finance, preferably enrolled in Commercial Banking Certificate program. 

REQUIRED EXPERIENCE: 
 Minimum junior in college (to be senior or pursuing master’s in the next academic year). 

SKILLS/ABILITIES: 
 Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines. 
 Strong analytical skills with an ability to interpret complex financial information and identify relevant risks. 
 Strong verbal and written communications skills.